Truist Bank (formerly BB&T Bank)
Reviews and Complaints

I have ha bbt for a while. I get a disability check direct deposited into this account. Once I was hit with my first over draft fee it was like I was targeted. In the last four months my account had been at a minimum of 231$ negative. The max reaching 499$. I have complained to anyone who would take a complaint fourm. Every time bbt sends me a huge package with a print out showing that the charges are legal. I finally had enough and I pulled all my funds out of the account in person. The teller wrote me a teller check and changed it. That check put me in the negative. I even left 20$ in there just in case they wanted to mess with me. I got an email from PayPal that something I bought was out of stock so I had a full refund. I logged into the account to see if it posted and boom I was negative 231$ . they hit me with a fee for the teller check a 2.30 coke from Wendy's and the 29.99 from PayPal . they said they don't see any refund. And then when I called bbt I was told the teller overdraft was a fair charge. Someone start this damn class action so these ### can get felt with. I am tired of being treeaded like a cash cow and trash. They are crooks and goombas.

Same problem
charged me 72 dollars in overcharge
my payroll was posted last after charging me 36 for .63 negative
and for 10 negative

this is ridiculous have over 1000 positive balance!

We had been a patrons of BOA for many years but wanted to support a regional bank since we moved to NC and decided on BB&T. Worst mistake I ever made in banking (mea maxima culpa, not my wifes). In just slightly over a month of being with them it has been a nightmare; 1st - We funded the account by an electronic transfer from BOA thinking that would be the fastest. They held that in limbo for I believe 8 business days even though BOA debited our account the day I initiated the transfer through BB&T. Who had our money? Not us. After about a week I called BB&T asking why our account had not funded yet and was told “that's just the way it is with electronic transfers, they take 5-10 business days”. That is total BS, anyone in this day and age knows that money now moves with a click of a computer key, 24 hours max for an electronic transfer. 2Nd - Their check company charged us for checks I didn't order and to cover the charge I was never told I had incurred, BB&T transferred money from our savings to checking and charged us $10 for that. I resolved the problem with Harlond Clark and they agreed we were owed a refund. I called BB&T and said they would only return the transfer fee when HC refunded our money. About 3 weeks later we finally got the refund from HC and I called BB&T to ask for the $10 back which finally posted about 5 days later. All in all about $40. of our money was tied up for 3-4 weeks. 3Rd – While all that was happening I had set up our bill payments and scheduled a few well in advance. Each confirmation said it had to be scheduled 5 business days in advance for the payment to be received by a certain due date. Sometime between when I scheduled the payments in mid July and when they were supposed to go out at the end of the month BB&T changed 3 of the 10 payees I had entered from 5 day paper check delivery to 2 day electronic delivery but neglected to notify me which resulted in a payee receiving an electronic payment on 7/28 instead of 8/2 which is the confirmation I received when I scheduled the payment. Of course a $35 overdraft fee resulted. I called BB&T to ask how could they change a payment delivery date without notifying me and was told that this type of problem needs to escalated to level 2 support. When I asked to speak to Level 2, I was told they don't talk to customers and “they will review your request and if BB&T was in error your $35 will be refunded in 5-10 business days”. I got what they call a service request # and the name of the person I spoke to. I then waited about 5 minutes, called back and told them I had a service request # and wanted to speak to a supervisor. Of course I was told there were none available and so I said I will wait on the line until one is. ALLWAYS DO THIS AND GET THE NAME OF THE PERSON YOU ARE SPEAKING TO. My wife used to work for a call center and they cannot hang up on you or it reflects poorly on their ratings and ties up their line. In about 3 minutes a supervisor came on and said she had reviewed my complaint, it was without basis and I was not due a refund. When I told her that I refused to accept that answer and again explained the sequence of events she agreed and I saw the refund appear as pending on my account as we spoke. I could go on and on with examples like this in less than a 6 week period but let me finish with a few quick things. BILL PAY; use at your own risk. They canceled payments I had scheduled because I didn't have funds in the account on the day the paper check was supposed to be mailed and did not notify me. This is because they deduct the money from your account the day the payment is to be mailed, even though it is not scheduled to be delivered until a week later. When I called and asked how they could do this this, a paper check should not be honored until it it presented I was told “that's just the way we do it”. CUSTOMER SERVICE; calling them to get your money back after you have been unfairly charged fees? You'll be charged if you contact them more than 2 times a month, even if it's their fault. The final time I called them was today to complain about the $2 charge that had just appeared on my account even though ever single call I made to Phone24 was to dispute fees that we never should have been charged. I informed them they would be losing our business and direct deposits because I had never experienced a less customer friendly bank in over 40 years. When I asked if I would charged $2 for the call she graciously said she would waive the charge (but she lied). The next day a $2 refund did show on our account and then the next day a $2 charge was debited for the call I made to get our first $2 back. CASH DEPOSITS (Made inside the bank with a teller); were shown as a “pending” transaction for 5 days and I have no idea if we had actually tried to pay a bill which would needed to use any of this “pending” cash if it would of resulted in an overdraft fee or just been declined.
Bottom line; if you're very wealthy and never let your balance drop below several thousands of dollars you may like BB&T, I'm sure they'll treat you very well. If you're an average guy like me living from paycheck to paycheck avoid them like the plague.

Da Banker,

I am one closing my account with BBT too after we have had multiple accounts with them for over 4 years. There are banks and credit unions out there that post deposits first (the day you make them in full), and take the larger amounts first. My wife had to have car repairs done on a Friday afternoon. I took money to the bank first thing Monday morning. Then I find out about BBT only really credits $100 of your deposit the day you make it. It shows on the online banking it credited the day you made it but only the first $100 counts for that day, and then they pay the higher amounts first and then the lower amounts. $350 NSF then I make a cash deposit as the teller tells me it will be credited in full that day. NOPE! Your debits come out first then the deposit is credited. This is there way of making more money and they do not care. They came up with every excuse possable. Would even state one thing that would be the reverse of the previous conversation and then say they never stated that.

People there are other options out there that are not the same policies of BBT. In the mean time I am switching to one of these others and joining the class action suit, posting on all boards, contacting individuals in the govt, local media, etc

If anyone is smart they will not bank with BBT as emergency items do come up.

The way I look at is if I can keep multiple customers away from BBT so they will not burned the same way then that is less money in BBT's pocket.

You all absolutely kill me with this stuff. I am willing to bet that none of you all read the Bank Services Agreement you get when you open an account. It clearly lays out the posting order of deposits and withdrawals. I am assuming that all of you can read. I have worked for 5 different banks in my career and all of them have the same posting procedures. I have to deal with this stuff every day and 9 out of 10 times it is the persons fault who spent the money not the bank. You sign your name, therefore you sign a binding contract. This doesn't just go for BB&T. It is the same at Chase, PNC, Bank of America, and so on. The main thing is, IF YOU DON'T HAVE THE MONEY IN THE ACCOUNT DON'T SPEND IT. Also have you ever heard of Overdraft Protection?

BB&T has charged me over $1005 dollars this year. I recieved $375.00 back only because I was going to withdraw all our accounts from them. I have direct deposit of my check, which is put into the bank at midnight. Any checks, atm's, etc are taken out of my account before they post my deposit. They also go from the largest debit to smallest so they can charge these outragest amounts.
It use to be Banks were someone you could do business with and count on...Now they are out to get as many of us as they can. Because of their practices...we get bad credit ratings.
I deposit a check from one account into another account from BB&T. I told the teller, I needed the check cashed and then put into the other account as cash. She felled to do this and I was charged over $475.oo. When I contacted BB&T they told me they would check into it. They called me back and told me, the teller was not informed that was what I wanted to do...HELLO who was making the deposit and it was my check from this bank?!
babysmom46

You need to talk to these guys.

http://www.occ.treas.gov/

I fully agree with you. BB&T is out of control. I got messed over because of their unethical policies.

I've been a customer of BB&T's for over 25 years. I MUST be an imbecile.

I'm sitting here this AM fuming about NSF fees charged to my account on charges I made via my check-card over the weekend. This, after having made a $500 C A S H deposit Friday afternoon. Furthermore, I processed each my subsequent check-card charges as 'credit' rather than 'debit'.

Let me say that I am MORE than willing to forego NSF fees when it's my fault...even if it's barely my fault...I'm happy that BB&T covers me in these situations, paying my payee in good faith of future deposits/deposit posting. But when they turn against they turn against me by manipulating my deposit(s) vs debits, using methods that are clearly illogical & obviously a technological manipulation done by them in their favor - especially when it's around a C A S H deposit I made before I made any check-card charges - it's downright criminal. Yet I have so little power in making any 'corrections' with them. They are extremely illogical & inflexible & show absolutely no concern for their customer's overall satisfaction with their banking practices or for any personal circumstances that may surround a customer's reason for even bothering to try and turn an unreasonable situation into a reasonable one. It simply does not concern them in the least.

The latest NSF fees for us total $140...for four CREDIT charges on my check-card totalling $47...over a weekend, (a HOLIDAY weekend at that, banks being closed Monday)...all the while sitting on my C A S H deposit made the previous Friday afternoon.

Let me point out that C A S H deposits are "available immediately". This is further confirmed by BB&T tellers almost every time I make a cash deposit, telling me flat out that "your cash deposit amount is available immediately".
SOOOOO, why then am I being charged NSF fees by BB&T who is - at the very same instant - sitting on my $500 cash...that's "available now"?
Only BB&T knows the answer to that.

BB&T has raped me for the last time. I'm out.

I agree and i did file with a class action lawyer Here is my post and also the lawyers info: http://www.lieffcabraser.com/consumer/bbt.htm

I just wanted to advise everyone to do this. BB&T really needs to change the policies they have. I have been told it was because they would get bad checks and not know until the money was out, however because of that then that is the reason they charge someone all of these fees. They always hit debt before credit so even if it is your fault you are negative you can not deposit to catch it because everything that is pending will get a fee. They say they pay the biggest amount first for the customer because of home and car payments etc. However they REALLY do it so they can get more fees. If they had taken the smaller charges first, I would have gotten one fee I got 7 because of them! They need to be sued. Here was my letter to the lawyer! Please send your story to and hopefully we can change it!

I am a customer of BB&T and they have charged me unjust fees in the past however this recent incident was the last straw:

I am currently in Bankruptcy and they are aware of this. I had a medical bill company try to garnish my account. I let the bank know as soon as I was aware and was told that it was a mistake and would be released. It was released, however because they took $700.00 the day after Christmas on hold then my other checks out bounced. They charged me $560.00 in FEES and even charged another 200 in fees the same night I made a deposit of 2900.00! They take the biggest check or purchase and put it through then the little ones so they will have more fees. They should have only had 1 fee and there were 7. They also deposit debt before credits so if you make a deposit to cover yourself you are still screwed. They advised me that they could not refund any of the fees because they have helped me in the past. I have had this account for 15 years. Not right and they should be sued!

bband t is a rip off. We have decided to close our accounts due to the same problems as in previous posts. I agree it will take a class action suit to evoke real change. The Customer Service rep actually explained to me today that I agreed to having my highest transactions debited first when I opened my account and that I deserved to pay the 5 overdraft fees that occured. I deposited 321 dollars and made 5 transactions all under 35 dollars. then MY fault I forgot about my automatic Credit Card Payment of 328 dollars. So instead of 1 INF fee I got 5 because the 328 was the highest. I asked the CS rep if I could have a copy of the agreement I signed when I opened the account in1967. She said it did count anymore. So when I repeated her previous excuse that she said I agreed to this policy she referred me to the President of the bank and disconnected the call.

They actually TOLD me they were NOT regulated by anyone and when I said I would contact the FDIC, the customer rep said "They do not govern us" OMFG scammers! They charged me $30 bucks for an overdraft THEY caused, I don't even know if that's legal?

Filing formal complaints to get real results

Federal Reserve Bank Complaint Department

http://www.federalreserveconsumerhelp.gov/complaintinfo.cfm?info=1

US Treasury Department - Office of Comptroller of Currency

http://www.occ.treas.gov/customer.htm

You are right on target with this bank. They unjustly charged me $210.00 in fees for a $1.06 debit when I had the funds to cover it and the two there after.

When I went to dispute it the cs rep typed a few things in the computer and said oh they denied the return of your fees. ( I have never had fees assesed to my acount before) I said I want to dispute it further, she said that well I can ask my branch manager but if she denies it we will have to send the request to the head manager and she always denies the return of fees the she close's the customers account.calling it account abuse...OMG, if you stand up for your rights to be treated fairly as a customer you run the risk of them randomly closing your account and risking the loss of all of your funds that you have in that bank.

This sounds so fraudulent. I have been doing some research and I have found out that bank fees are on the rise because of the new laws that are being put in place to protect consumers will generate less revenue for the banks so the banks are uping the anti in order to get a head start on the decline in revenue ( fees) that they are about to face. They need to go jail just like any other common criminal on the street that robs you!

Anyone interested in participating in a class action suit against BB&T please contact me.

David Benson
snags6@yahoo.com

I agree 100%. I used my debit card for an online transaction. BB&T charged me .50 cents and because I only had the exact amount of the transaction I made I was not aware that I had gone over .50 cents. I now have an $85.00 overdraft fee because this happened twice and they charged me the $30.00 one week fee for not paying the over draft fee before the weeks was up. They said they could credit me $17.00 as a curtisy. Why can they not just credit me a $1.00 so I would not have had any overdraft fees?!

"In a separate incident, they took money out of 1 account to put in an overdrawn account we shared with someone else."

That is "right of offset." Think about it, if someone owed you money and you know they had it elsewhere wouldn't you try to get it? Especially if the other money was also in your posession?

ALL banks have that right. Anyone whose name is on an overdrawn account has their other accounts (with that bank) subject to right of offset. Even if you "share" that account with someone else, if YOU have other money and they (the "someone else") don't, they can take what's in your other accounts to make it right.

Had they not, you could have been reported to Chexsystems for not paying the overdraw, which is probably worse for you than them debiting your account.

I too was with bbt. I found so many wierd charges on my acct. I am an honest human being and still didnt get the excuse from the teller i was looking for. I actually thought that someone was using my bbt debit card...i did walk away supposedly owing them money...but like i said ...they charged me so much for what? i couldn't believe it

Experiencing problems with BB&T in which they are posting the debits before the credits during their nightly processing Batch cycle. It seems that this must be a recent change to their processing strategy for I am getting dinged with OD charges... but if you read your online statement, you can't conclude that is what they are doing for the credits are listed first then the debits which infurs to you that is balancing your account that is the order of processing.

Also had issues when a deposit was put on hold by another group when the 1st group waived the 2 day hold. It was a local check drawn on a major university... go figure... it's like a gov't check here. Apparently the 1st group didn't talk to the 2nd group to know that the 2 day hold was waived. Next day, I had ODs ... the branch CSR was a witch with little knowledge and assistance...saying I was negilent etc... The issue again with looking at your acct detail info online does not show what is really going on and is very misleading... if you follow it there is no negative balance. Another issue which was not addressed by the witch. Ended up going to another branch to get help and was sucessful. The online activity that they post is still misleading and no word if they deem that as a problem etc... BTY... 3 days later, received in the mail a bank notice that my deposit is on a 2 day hold...

I wrote several checks around the first of January. It was quite a shock to me when I checked my online banking around the 18th or 19th of January to find that there was $590.00 worth of overdraft fees accessed to my account. These fees were accessed as follows: Overdraft fees in the amount of $210.00 to cover Checks in the amount of $97.00 which were paid by the bank; $30.00 unexplained overdraft fee; $350.00 in overdraft fees on checks in the amount of $214.01 returned to payees as not sufficient funds. Four (4) of the checks had been charged overdraft fees twice.

I had made a deposit of $337.50 on on the 5th of January because I knew I had to write these checks. The total amount of the checks was $311.01. I talked to the branch manager in Charlottesville about this and the impression I received from him was 'thats tough'.

In the past several months I have had a few instances of overdraft fees. At the time I did not pay any attention to them, but after this instance I have given BB&T a second look and am very disturbed by what I am seeing.

I have been a customer of BB&T since 1969 when my wife and I were first married and have remained a customer of BB&T through the many name and owner changes, that have occurred over the past many years. In 40 years I have never had a check returned to the payee for insufficient funds, until the last few months.

The one thing I did notice was that, problems with BB&T began after their new posting process began, and even had BB&T tell me that they could post things however they wanted to. It didn't matter in which order they were received. Also, I have checked my account many times by BB&T's phone 24 and received information about my account, and then checked my online banking within a few minutes and the online banking told me a completely different story.

After looking at complaintsboard I can see that I am not the only one complaining about this travesty of justice.

BB&T doesn't seem to realize that customers are what makes them strong and not the bank itself. If it weren't for the customers, BB&T wouldn't exist. This problem doesn't seem to end with just BB&T, but seems to be the attitude of most of the big banks. The small local banks have a completely different attitude about customer service, as did BB&T a few years ago.

The first of next week all of my business dealings with BB&T will cease to exist as I am closing all of my accounts with them.

yes these ### holes just charged me $395.00 in over draft fees and they waited tell me my money was gone so they could screw me out of $395.00 dollars and thier computer told me that my $500.00 check would post the next day so they made sure they posted all my debets first and all at once so they could get my whole check

BB & T pissed me off the most today. i go on my online banking and see that my account is in the negetive $120, WHICH IS OUTRAGES! i mean i can admit that i overdrew my account only $20.00 and got 3 OVERDRAFT FEES for one overdraft.

I calld the customer service center just like you did and this girl representive answered and i told her the problem, she contiuned with "well you should be more careful with your money and its not a bank error" I told her straight up that it was ###. how are you going to tell me to spend my money better for one. yeah i overdraft once everyone makes the mistake but they shouldnt charge me 3 times for it. and then she trys to tell me that im lieing to her that i made all these overdrafts when i have the bank recipets proving that i had the money in there and that the only thing i would have overdrafted on would be the one thing i had on hold which was only 20 dollars. SO INSTEAD OF paying $55.00 which i understand i would have to pay cuz thats what im at fault for...BUT NO i have to pay almost $65.00 more because of there greedy ###. AND OMG that girl on customer service was so rude and started to yell at me because she knew she was talking ### and i calld her ###ing bluff. BB&T IS ONE OF THE ### BANKS EVER and ive been with them since i was 9 years old and open my first bank account, AND BACK THEN THEY WERE COOL...BUT TODAY THERE ###ING LOW LIFE THIEVES...

I so agree with you! This is the worst bank I have ever had the misfortune to deal with! We moved here to VA from MI. BB&T doesn't do business there so I was unaware of their reputation. They were close so we tried them. I am very, very careful with my finances and no matter what I do I cannot have a complete billing cycle wihtout getting overdraft fees. Its the way that apply your deposits and debits that is the problem. They are crooks! They have this set up in a way that they can screw you every time. And you can forget about their customer service, its non-existent! They are very rude and not at all interested in helping you even when it is clearly THEIR fault. I really wish that a class action suit could be filed against them. I think its about people stood up and refuse to be screwed over anymore. BB&T gets a bailout everytime some poor, unsuspecting person walks in the door!

http://bbandtsucks.com

fight back!

Letter to BB&T regarding modification attempt since December 2008:

April 24, 2009

BB&T Loss Mitigation
P.O. Box 2067
Greenville, SC [protected]
[protected]
gloria.smith@BBandT.com

Christine Konar

I am writing this letter to BB&T requesting pertinent information regarding my tentative modification. In the body of this letter there will be a summary of the contacts, content of them, subordinate’s in this forum, details discussed, and relative documents to any and all parties subject to control or information regarding Federal/Government TARP monies and conditions. It is my opinion that the summary of fee’s and charges should be disclosed much like a mortgage origination; whereby, a quasi-HUD statement be provided prior to any agreement being approved by “both” parties for their perusal, under the law. BB&T’s behavior in this regard and the pervasive, lack of concern attitude to its consumers and customers is emotionally draining and cumbersome, making positive outcomes near impossible and very time consuming.
It is my stated opinion BB&T is making a modification extremely difficult or maybe impossible due to the financial demands they have made on me to perform this modified mortgage, given their lack of timely and relative communication, and the pervasive attitude of BB&T and its subordinates, condemning the mortgagee, and changing all of the rules of conformity. I have filed a “formal complaint” with the FTC, as the date of this letter.
BB&T Credo: "John William’s extensive commercial knowledge and career accomplishment make him an excellent choice to succeed Dixon as president of our Blue Ridge Region, " Brown said. "As a longtime senior manager at BB&T, John has a keen understanding of what it means to deliver the BB&T brand of highly personal and competent client service."

My first communication about the arrearage was in November 2008. At that time I received an offer of modification which raised the payment over $300.00, which they said was “just an estimate and could be higher”. (See enclosure) I wrote a written response and asked for the payment to be lowered, maybe by lowering the interest rate or extending the time frame of the loan. Currently, I have a jumbo loan for $300, 000 and an adjustable ARM, interest only for five years @ 6.75%. I also questioned the validity of the appraised value @ $498, 000, given the current value being 50% less than the original appraised value.
I waited about 4-5 weeks before contacting BB&T to elicit their responses and I was told “you refused our modification offer”, so we are proceeding with the default and subsequent foreclosure. That was in early January 2009. This statement is completely untrue. (See enclosure) I have a letter, signed and dated with a receipt of mailing, proving this is incorrect. Since that time I have been getting forms for financial statements and letters saying we have tried to contact you and have gotten no response, “we are here to help” please fill out these forms and send them back to loss mitigation, SC and we will reply promptly. Since January 2009, I have sent the paperwork 5 times. Every time I sent one of the forms back I get the same form again and again. The last time I sent one of these forms and followed up with phone calls was in early March of 2009 and flat out refused to send them again, as they kept me chasing my tail.
By late-march I finally contacted a fellow named Adam Mills over the phone he offered me a modification, in which the payment seemed fair, so I tentatively agreed. The date to submit the papers and monies was April 06, 2009.
Prior to remitting the monies and final paperwork, it came to my attention that BB&T was asking for 2 months mortgage, which I thought was fair, but also wanted up front fees of $1425 for the attorney and $300 for an appraisal, plus late fees, interest etc… At that point I asked for a reasonable accounting of these monies.
I immediately called BB&T and left a message with this request for Adam Mills on April 05, 2009, he did not return my call. It is my opinion the call was not returned due to the resistance of BB&T to be honest about these fees. As the days went by, I left several messages and finally left a final angry message stating “I guess if I do not comply with your demands, you are going to continue the foreclosure. Why don’t I just bring you the keys and let me get my belongings out! The original message included these questions:
1. In the past, I have paid for full appraisals, which include an interior measure; upgrades, lot size, etc…cost $350.00. To my knowledge their, BB&T”s appraisal was only a drive by. Why is this fee so high?
2. As far as the attorney fees; I questioned my personal attorney and he stated “if all you have gotten to date was the registered letter”, it should have only cost $300.00; hence $1, 425.00?
3. Additionally, I have called HUD, the FDIC and the FTC and have been told there should be “no fees” of this kind upfront, and the amounts seem out of range as well as the payment structure set forth in the modification (1st payment 23 days after the $3, 000.)(See Enclosed).
I never heard back, so I called BB&T again and this time I spoke to Tiffany Whitmore. She relayed to me that I left a message agreeing to give up the keys and I no longer wanted a modification. Well, somehow the other messages either got deleted or were not relayed to Tiffany, which escalated the anger regarding the message about giving back the keys, etc…this was wearing me out! These things were said in frustration and emotional distress, as this has been going on since November 2008. And further, why can’t I ask/contest the fees, interest, the appraisal cost and the attorney’s fees?
After some dickering on the phone with Tiffany we were finally able to come to a conclusion. We agreed to a modification with a payment of $3, 000.00 on or before April 22, 2009 and 3 monthly payments of $1, 700, till July of 2009, totaling $8, 100.00. The $3, 000 was made on April 22, 2009, and then the next payment of $1, 700 is due on May 14, 2009, 23 days after the $3, 000.00 payment. I did the math on this and when I complete the modification contract BB&T has asked for (with some of the monies being put at the back of the note), with accruing interest and the additional attorney fees, I will have paid over $23, 000, to them by July 2009. Also, my flood insurance which was late due to this whole process taking so long and never knowing the outcome was not paid on time. I got a letter from BB&T placing the insurance, knowing full well I was in loss-mitigation, for the premium of $1, 235.00, a 410% inflated rate, as the original insurer’s premium was $309.00. Harley Insurance, the original insurer states “It is 99 ¾% unlikely in the location and district of this property there would ever be a flood”, and it is on 15 ft. of pilings.
In the conversation with Tiffany, she specifically advised me that there would be no further foreclosure advances by the attorney or BB&T if I agreed to the modification; verbally I did, on April 14, 2009. I received an email with the terms on April 15, 2009. She said she would make contact with the officer in loss mitigation and have the attorney contacted and hold off further work on the file, until the time period had elapsed by which I was to perform. The agreement was made April 14, 2009 and I had until April 22, 2009 to supply the paperwork and funds. Until that time expired had I not sign the modification or remitted the fees, all bets were off, and they would proceed to acquire a court date. Well, I performed; on April 21, 2009 a fax was sent to BB&T with the signed modification and on April 22, 2009 a payment of $3, 000 was taken over the phone by, DEE conf # 475647 @ 10:26 a.m. EST.
Can you believe, on Thursday April 22, 2009 I indeed did receive a court date, by certified mail! The attorney and BB&T went ahead after our agreement and filed the date and time of hearing, which is May 21, 2009. On April 22, 2009 I also received a letter from BB&T thanking me for my payment to “my account”. There was never any mention of the modification/new contract payment and it did not come from loss mitigation it was generated by the loan customer service office. When I realized the attorneys’ were still working on this and the monies may not have been put toward a modification, I immediately started calling BB&T for clarification. I left messages for Dee on 04/23/2009 and 04/24/ 2009; Tiffany 04/23/ 2009 and 04/24/2009; sent emails to gloria.smith@BBandT.com and spoke with Glen Milsap on 04/24/ 2009. No one has done anything to quell my distress and clarify the situation. I subsequently have spoken to my personal attorney, Jeremy Williams and contacted John Ceruzzi of Jacksonville, NC for advisement on how to proceed, alas I do not have the monies for this and the ongoing fees associated with their counsel and interest running at $54.20 per day. This lack of due diligence, timeliness, feedback and consideration is unconscionable.
Since the inception of my job/income loss and the tragic events that have besieged on me, I have done my level best to accommodate those I am indebted too. I have reduced my life style and spending to bare minimums, sold every worldly possession, (even thought everything I had was paid for) except my credits cards and mortgages, which I used for business. I have availed myself of counseling at GreenPath Debt solutions, as requested by HUD and its affiliates. I have remitted over 450 resumes and flyers to retain gainful employment. FYI: I hold an MBA, 2002, a BS in Marketing and a Paralegal Designation, in addition to 15-18 years of HR experience/Management and for 18+ years I made six (6) figures consistently. I “do not” expect this situation to continue and I do believe it is not my fault employment opportunities are not readily available.
At this point I need someone’s help. The reason all parties are being sent copies of this letter is because this situation is dire for many of this countries citizens. The banks are not “helping people”. They are helping themselves at the expense of consumers. Even though President Obama has flooded the banks with funds to alleviate this situation, the banks continue to make it next to impossible to get assistance in a timely, honest, and favorable manner. Foreclosure is a lose-lose situation for all and I wonder if they have and or are receiving TARP monies, saying they are suffering losses; why would they continue to exaggerate those losses by continuing practices that are unnecessary? A modification should allow the banks to recover any past due monies, and if done properly the bank should not suffer any loss on accounts receivables. Even if they did lose a small percentage of the monies, isn’t that what the taxpayer’s monies were for “to clean up the toxic assets”? I have to wonder, with all this foreclosure business…could these foreclosures be the “toxic assets” they speak of…all SELF CREATED and By DESIGN? There must be some reward for this behavior!

In closing, I request BB&T supply me:
• With an exact accounting of legal fees, before and after April 14, 2009, broken down to hours, minutes, and any subsequent associated court fees.
• Interest due
• Late fees or misc fees
• A copy of the full appraisal done

One Final question: Is anyone out there overseeing the way taxpayers monies are being used, and are there any rules imposed on the distribution of these TARP monies? Why should I pay all of these inflated fees when this modification has been requested since November 2008?
Sincerely,

Christine Konar
CC: Hutchens, Senter, & Britton
President BB&T Bank/Dixon Whitworth, John Williams,
Kelly King, Fed Reserve of Richmond, Jeff Nichols, PR…BB&T
Rep. Kay Hagen
US State Senator Richard Burr
Rep. Carolyn Justice
Head of Finance Committee Washington, DC Rep. Barney Frank
Star News
Washington Post
Huffington Post
NY Times

Sounds like poor employees. Mistakes happen but this wasn't handled well. As with most banks, BB&T has really good branches, and really bad ones.

I am a single female retiree in Central FL. In 2017 my loanwas with Florida First Federal, then it was sold to Colonial Bank, then unfortunately it was sold to BB&T. That is when my problems began. In early 2017 Wachovia Bank had been watching my account for some activity other than my SS income. When I took a part-time job they suddenly helped themselves to $547.00 from my bank account leaving me with $1 and a $111.00 overdraft. (Needless to say they are no longer my bank after 23 years). However the loss of $547 and a negative balance of $111 put my financial situation in a desperate situation. I went to BB&T and asked for assistance with my loan (i.e. a skip payment chance, etc.) First of all there are no longer any loan officers in the bank. Even the employees have to call the main branch to get any loan information. They then started charging me past due charges because I had gotten one month behind. They have piled up almost $700.00 in late charges and keep sending threats of foreclosure. They had me fill out a Loss Mitigation form and that turned out to be a waste of time. I defaulted on my property insurance and they bought insurance on the debt of $9, 000 by purchasing it to cover the loan. They purchased $43, 000 insurance against a $9, 000 loan that covers ONLY the structure. Now they want me to fill out Loss Mitigation again. Nothing has changed so, I do not know how that would help the second time. This could have been so simple if they had just let me skip one payment. I have tried to contact other banks but now my credit has been hurt by this situation and BB&T could care less!

contact the CFPB

Do yourself a favor and get over it, all banks have security questions.

They suck - how can we start a class action lawsuit?

BB&T is the absolute worst bank that i have ever dealt with, they have online banking for what, i don't know because you cannot depend on anything it displays and as far as holds on accts. i was told by both a representative of BB&T and through my online acct. that my check that i deposited would clear on the 7th so when they tried to cash a check that i had wrote they said that they couldnt because of insf. funds which became that way overnight i guess never can see my ballance as debits hit my acct. i have to guess...but anyway i got hit with an overdragt fee due to the fact that the check that was suppposed to clear on the 7th actually didnt get processed until the following morning which i was told was of the norm, this is not the first time but i just dont have time running from bank to bank, with a failing economy the last thing someone needs to worry about is that theyre hard earned money is going to be safe...i wish i had a voice that could be heard so that i could maybe put an end to these major banks not having to be held responsible for anything but the customer, we are at theyre mercy without any rights.

Anyone interested in participating in a class action suit against BB&T please contact me.

David Benson
snags6@yahoo.com

"At this point, I had been with them 5.5 months and had made numerous deposits. I explained this to her, but she refused to let up. I asked for the manager, but she wasn't available at the moment. So, I walked out of there with a 5 business day hold on my paycheck. WTF!""

The teller has to do the hold if the computer says so. While a manager can override it, and probably should have in this case, if a teller overrides a hold and the cehck is returned they can be FIRED. While you know your check was OK, from the teller's perespective, you're not worth getting fired over.

Anyone interested in participating in a class action suit against BB&T please contact me.

David Benson
snags6@yahoo.com

welcome to the club.

Ya BB&T is a horrible bank when it comes to your account. I ended up being charged twice buy my Auto Insurance for a months payment. Long story short my AUTO insurance refunded me one of the payments. But these two charges ### up my account to no end. Nothing like waking up to find out you are -$186.00 in the hole.

Any other bank would deny one of the charges from my auto insurance saying I didn't have the money. But they are more than willing to allow the transaction to go threw and charge you for it. I had to borrow $225 to get myself out of debt and have the money to cover a doctor payment that still was coming.

The next day I found out once again I was over withdrawn. But the thing that was strange was the two charges that did it, I had the money in there to cover it. So they charged me with a $70 overdraft fee then claimed it was the two small charges that did it.

When I went to BB&t to try to explain what was going on and my Auto Insurance said it was there mistake that it happened and they where refunding a payment if they could put my account on hold until I got the refund to stop any more overdraft fees from happening and they could call my auto insurance company to talk with them that it was there mistake. All I got from them more or less "oh well ### you, it's you lose. We don't care if it was a mistake"

BBandT has been increasingly harder to work with and is extremely abusive on there charges and policies. Part of the problem with BB and T is they offer all these free "customer service" tools to help you but they do not tell you the full story. For instance, they offer a daily balance alert, which emails the acct holder their balance. But this info is not correct. They also offer online services where you can see pending transaction. These aren't correct either. Gas is not included in pending and certain debits, like an insurance payment auto debit, are not shown there. If you ever do make a mistake the BB and T policies will really get you. Let's say you use you have $100 in the bank and use your debit card for $10 in gas, $10 meal, and a $10 bill payment. That is all out of your account and you are showing everywhere (at the atm, online, ABD on bbt phone service) a balance of $70. But then that evening a check you forgot, an autodraft, whatever, is taken out for $105. You are now overdrawn, your mistake, 1 overdraft charge as a penalty...wrong! BB &T actually will take that draft and place it in front of the debits of that previous day and overdraft the lot of them! There reasoning is they feel that was a pending payment BEFORE you made those other transactions, so instead of a $39 charge you have a $160 charge. This is FACT, I can unfortunately show it. Other practices you may not know: withdrawing money from an ATM will result in a $39 charge if you are overdrawn. They will not alert you to the issue, they will give you the money and receipt and then charge an overdraft (yes, even at a BBT ATM). Have an issue and need help?, BB and T gives you 2 phone calls a month, free, if you call again you will be charged $2, and yes, that push you to overdraw also. Do you want to have them stop your debit card if you don't have funds, they will not do that either (ask your local manager, company line is: We don't want to return someones mortgage payment and have them lose there house). Best of luck dealing with these guys, but they should be brought up on charges for what they do.

I'm am being ripped off every week by BB&T and this is a shame.

I think the Government doesn't intervene when they are benefiting from the fraudulent transactions.

So, lets find out what the Government should be enforcing and sue them for ignoring the facts and allowing the banks to take advantage of us.

If all else fails...lets remove the money from BB&T until we can find a honest institution.

DJ
proteuslife@msn.com

Anyone interested in participating in a class action suit against BB&T please contact me.

David Benson
snags6@yahoo.com

banks dont discriminate in terms of who is disabled or who is poor, etc. when they charge fees.

It is up to you the individual to be responsible when opening a bank account, and managing it so that it does not incur overdraft fees. That includes not writing checks or swiping your debit card when there is not enough money to cover your charges. There is no real cause for complaint in these postings.

Personally, I don't use BB&T because they charge a monthly maintenance fee on a checking account. couldn't close it fast enough when they implemented that BS.

BBT used to be a decent Bank but no longer. I recently got trampled by $210.00 in overdraft fees in one day because I made one error. They don't care and will take money from your families piggy bank in a second. It is time for consumers to unite and put these banks out of business. Let's learn to function without banks and we will all be better off and less stressed. We are all just numbers to the big businesses and government orgs. in this country, and that includes "all" members of Congress, the executive, and especially the judicial branch. We might as well be in Russia or Venezuela where you are bullied into submission by thieves. But do not give in, fight back by not participating in the sham. Use cash only when you can and treat others honestly and kindly.
And remember the banks elected Bush, elected Obama, and hold all the power. That is why they can bet away with getting bailed out no matter what.

Anyone interested in participating in a class action suit against BB&T please contact me.

David Benson
snags6@yahoo.com

Well..that certainly explains the $245 in fees I was charged this week!

If anyone thinks these things cannot happen please pause and realize they do. I have an experience that I am afraid to tell for fear of being put away. Please stay away of BB&T. Do Not Give Them a Minutes Thought ! I am so sad for the lady's situation. Good luck ! If I had the money I would sue but that is why they get away with what they do, they know we don't have the money or time for a lawsuit.

I have another complaint against BB&T. I was there to make a large deposit to my savings account. The teller told me I shouldn't put it there., that I should talk to one of their financial advisors. So I did. I fell for the salesman who presented his program like a pyramid scheme, but I was dumb. Needless to say I lost money. It wasn't the tellers job to tell me what to do with my money. BAD BBT! Class action?

http://bbandtsucks.com !

We are NOT all EQUAL with BB&T..

BB&T chose to work with one of their WEALTHY customers and an invalid will when my Aunt passed away this past year.

They allowed this other customer to come in and drill out and remove all contents of the joint Safe Deposit Box My Aunt had with me as the only valid co-signer on the SDB.

BB&T, also allowed this other customer to use a rescinded Power of Attorney to attach all my Aunts Accounts and IRAs...BB&T worked with these thieves because the thieves have kept large amounts of money with BB&T for over 35 years and are all chummy chummy with them.

My Aunts valid will naming me as the Executrix has been validated...but BB&T worked with the RICH customers and their Attorneys to bankrupt my Aunts Estate.

This has cost me an enormous amount in Attorney fees... I can't even begin to tell you the toll it has taken on my health. And the saddest of all...NONE of my Dear Aunts final wishes as stated in her VALID WILL will ever happen, as BB&T helped drag this out for almost 8 months until the Estate and Home were lost.

I am fighting the unspeakable actions of BB&T and the RICH customer with the help of many organizations and media outlets.

If you have found yourself in a similar situation with BB&T...I Pray for you. It is a living nightmare!